nanodeath

Um...I'm confused. People seem to think that electric orange checking is a savings account -- it's not. You can use it to send checks, unlike FNBO.

FNBO offers a Online Savings Account and a Online BillPay Account, it looks like. You have to manually transfer between the savings account and the BillPay account. So what does that make the BillPay account? A checking account that you can't cut checks from, make withdrawals from, or earn interest on. Sounds awfully similar to INGDirect's Orange Saving's account and electric checking combo, but with fewer features.

Now, granted, FNBO gets 1.50% APY on its savings account (and 0% on its BillPay account?) and ING Direct gets "only" 1.40% APY on its savings account (but 0.25% on its checking account). If you keep an average balance of $1000 over the course of a year in your savings account, then...FNBO will get you an amazing ONE DOLLAR more.

Point being, follow the features. The APYs are close enough that it doesn't matter.

(And yes, 0.25% APY IS a lousy amount on a checking account, but what did you expect? It's a checking account)

PC games are easier to pirate...you're comparing this to renting a console game from a store, mainly.